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Why didn’t I see an estimated rate after doing a Rate Check?

We do our best to offer an estimate whenever we feel that we can accurately do so. However, our underwriting process considers a complex financial profile with lots of information. The Rate Check, while helpful, offers results based on a more limited set of information. If the information provided does not strongly indicate to us that an application would be approved at a certain rate range, we will not be able to offer an estimate.

You're still welcome to submit an application. If you choose to move forward with an application, you'll be asked to provide more context about your financial profile such as your banking account history, asset balances, and more. Please note that moving forward with an application will result in a hard credit inquiry, which may slightly lower your credit score.

Generally, we look for clients who have a strong history of financial responsibility, which can show itself in many ways. Typically, Earnest clients have an income that supports both the life of the Earnest loan and their everyday living expenses. Positive payment history is another key part of our review process, as this demonstrates you are committed to making your payments in full for all of your existing debts. We invite you to review our Eligibility Guidelines as you decide whether to move forward.

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